Smart Transportation

Stopping safely in an emergency situation 

Sudden loss of power and the engine stalls -What do you do?

You're driving and suddenly there's no radio and no power.  What should you do?  Apply the brakes, soon steering will fail, next the brakes will go.  Keep eyes on the road, try to steer to side of the road and put flashing hazard lights on.

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Don't panic 

If you find it too difficult to slow down, move toward a safe area and use the emergency brake.

ABS Braking System


Vehicles equipped with an ABS braking system ought to provide controlled braking on most road surfaces. For ABS braking in an emergency situation:

* Press the brake pedal firmly.
* Don’t let up and allow the system to control wheel lock-up.

Another big VW recall 

Carbuzz article

Wheather the Storm

Mass Exodus

Thousands of cars headed North causing miles of  backups on Florida's interstate Highways to flee the wrath of Hurricane Irma.  Drivers waited for hours at gas stations, while others, including my daughter stood in line for hours at the airport.  I'm so glad she's back safe in NY.  My thoughts are with the people in FL, Carolinas and neighbor states - Be safe.

"Once the evacuation order is given, don't wait around," Sen. Bill Nelson

Hurricane Preparedness...Be ready 

Plan and Take Action

FEMA
Weather.com

Wheather the Storm ... What you should know

You shouldn't wait to review your homeowners policy when there's a storm coming.  Most insurance companies put binding restrictions in place before a storm preventing customers from purchasing policies or making changes like increasing coverage or reducing deductibles.


Homeowner policies usually cover damage from wind, rain and weight of ice and snow.  Some policies have higher windstorm deductibles and most have higher Hurricane deductibles.  Meaning your regular  deductible will not apply if you have a loss during one of these storms.  Review your policy and look for replacement cost and deductibles.

Most homeowner policies don't cover damage caused by rising water.  So if a hurricane tears the roof off your home and rain damages your personal property the insurance would pay to repair the home and replace your possessions, but damage  caused by water rising from a flooded street would  only be covered by a separate flood policy.

Remember to play after the storm ~ Mattie Stepanek

Sorry...You're Exposed

What you need to know


If you own a buisnrss you're exposed to liability on a daily basis.  Employer's Non Owned Liability provides liability insurance when your employees use their cars to run errands for your business.  If your employees use their own cars for sales visits, trips to the hardware store or bank deposits for your business, you could be liable for any accidents they have.





What If 

You send your employee to the hardware store to pick up a couple things you need to finish the job today.   On the way to the store, your employee gets into a crash, rear ends another car.  Are you exposed to liability?

The other car has damage and other driver goes to the hospital.  Since your employee was driving for work, his/her personal auto insurance might not cover medical bills.  But you have Employer's Non-Owned Liability coverage and your insurance will pay the other driver's medical bills up to the limits in your policy.  Preventing you from getting sued.